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Home equity line of credit (HELOC)

  • Get cash with a HELOC  —rates are usually lower than credit cards

  • Keep your current mortgage rate with no refinancing required

  • Use up to 80% of your home's value minus your mortgage balance

Get cash with a HELOC —rates are usually lower than credit cards

Why choose a HELOC?

Remodel your home 

Renovate to create the home you’ve always imagined.

Keep your current mortgage rate with no refinancing required
Consolidate your debt

Bring all your debt together into 1 payment.

Use up to 80% of your home's value minus your mortgage balance
Invest in education

Cover large expenses like paying for college tuition.

Remodel your home Renovate to create the home you’ve always imagined.

How does our HELOC work?

Access up to 80% of your home’s value

Borrow up to your total line of credit during the draw period and spend on what matters most to you.

Get cash without refinancing

A HELOC is a line of credit. You don’t need to refinance your existing mortgage to get one.

Draw-as-you-need flexibility

Take 85% of your line of credit in cash, with interest‑only payments during the 3‑year draw period.

Curious about a cash-out refinance instead?

Replace your existing mortgage and get cash from your available home equity all at once.

​Try our refinance calculator. See interest rates, loan options, and payment breakdowns all in one place.

If you are not eligible for a HELOC  a Home Improvement Loan may be a good option

Consolidate your debt Bring all your debt together into 1 payment.
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